The best Chase business credit cards in September 2024

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Featured Offer

Ink Business Preferred? Credit Card

Welcome Bonus

Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $900 cash back or $1,125 toward travel when redeemed through Chase Travel?

Earn 90k bonus points

Regular APR

21.24% – 26.24% Variable

Annual Fee

$95

Credit Score

Credit Score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Excellent, Good

Apply Now

On Chase Bank USA, NA's Secure Website

Ink Business Cash? Credit Card

Best Chase business credit card

Key takeaways

5%

Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year

2%

Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

1%

Earn 1% cash back on all other card purchases with no limit to the amount you can earn

5/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best Chase business credit card

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

up to $750 bonus cash back

Annual fee

$0

Regular APR

18.49% – 24.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

The no annual fee Ink Business Cash card earns the spot as the best Chase business card thanks to its lucrative rewards program and variety of business-friendly features. For example, card holders can earn 5% cash back at office supply stores and on internet, cable and phone services (on up to $25,000 in combined spending per account anniversary year, then 1%). Plus, the Chase Ink Business Cash card’s welcome offer includes a 10% bonus on eligible cash back earned in your first year if you have a Chase business checking account. The primary downside to the Ink Business Cash card is its foreign transaction fee, so it’s not ideal for businesses with overseas expenses. You’ll also want to consider the spending caps in the card’s 5% and 2% cash back categories; if your business spends more than that, you’ll likely do better with a different card.

+ Pros

• No annual fee
• 0% intro APR on purchases for 12 months (then an ongoing 18.49% – 24.49% Variable APR)
• Welcome bonus of $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening

– Cons

• Charges a foreign transaction fee
• 5% cash back rate capped at $25,000 in spending across bonus categories each year
• 0% intro APR does not apply to balance transfers

Highlights

• Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
• 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Ink Business Preferred? Credit Card

Best for travel

Key takeaways

3x

Earn 3 points per dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year

1x

Earn 1 point per dollar on all other purchases, with no limit to the amount you can earn

4.9/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for travel

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

90,000 bonus points

Annual fee

$95

Regular APR

21.24%-26.24% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>

Why we picked it

With a generous welcome bonus and the ability to earn 3x Chase Ultimate Rewards? points on travel expenses, the Ink Business Preferred is a great choice for business owners who travel often. That’s in addition to the 3x card holders will earn on eligible business expenses (on up to $150,000 in combined purchases per year, then 1x) and the card’s flexible redemption options, including the ability to transfer Ultimate Rewards points to partner airlines and hotels such as United Airlines, Southwest Airlines and Hyatt.

The $95 annual fee is justifiable for those who can make the most of the card’s bonus spending categories or take advantage of perks such as cell phone insurance. But if travel-centric rewards aren’t your priority, other Chase business cards may be a better fit.

+ Pros

• Points are worth 25% more when used through Chase Travel?
  
• Earn 90,000 points after spending $8,000 on purchases in the first three months of account opening
• Points can be transferred to participating loyalty programs

– Cons

• $95 annual fee
• No 0% introductory APR
• Bonus rewards capped at $150,000 in spending across bonus categories each year

Highlights

• Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $900 cash back or $1,125 toward travel when redeemed through Chase Travel?
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel?
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Ink Business Unlimited? Credit Card

Best for flat-rate rewards

Key takeaways

1.5%

Earn unlimited 1.5% Cash Back rewards on every purchase made for your business

4/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for flat-rate rewards

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Earn $900 bonus cash back

Annual fee

$0

Regular APR

18.49% – 24.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>

Why we picked it

The Ink Business Unlimited card is an excellent choice for small business owners with wide-ranging expenses looking for a straightforward rewards structure. It offers an unlimited 1.5% cash back on all purchases, and the absence of an annual fee adds to its appeal. Another Chase business card might be a better fit if your business has concentrated spending in specific categories, such as internet, shipping or advertising purchases.

+ Pros

• High welcome bonus offer
• Strong rewards rate across all purchases
• 0% Intro APR on purchases for 12 months from account opening on purchases (then a 18.49% – 24.49% Variable APR)

– Cons

• Charges a foreign transaction fee
• 0% intro APR does not apply to balance transfers
• No ability to transfer points to airline and hotel partners

Highlights

• Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards?.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Ink Business Premier? Credit Card

Best for big spenders

Key takeaways

5%

Earn 5% cash back on travel purchased through Chase Ultimate Rewards?

2.5%

Earn 2.5% cash back on purchases of $5,000 or more

2%

Earn 2% cash back on all other business purchases

4.9/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for big spenders

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.

$1,000 cash back

Annual fee

$195

Regular APR

Flex for Business variable APR: 19.49% – 27.49%

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>

Why we picked it

The Ink Business Premier stands out for big spenders because of its generous rewards, spending flexibility and valuable welcome bonus. Offering an impressive 2.5% cash back (in the form of Ultimate Rewards points) on purchases over $5,000, it’s tailored for businesses with substantial expenses. In exchange for increased buying power, you’ll be expected to pay your card’s balance in full each month. The welcome offer of $1,000 bonus cash back after you spend $10,000 on purchases in the first three months from account opening adds value for business owners. If you’re considering applying, be aware of the card’s relatively high $195 annual fee and that you can’t transfer the rewards you earn to Chase travel partners.

+ Pros

• Substantial welcome bonus offer
• High rewards rate especially for large purchases over $5,000
• Pay in full card allows flexible spending power

– Cons

• $195 annual fee
• No ability to transfer points from the card to other Chase accounts
• No bonus categories outside of large purchases over $5,000

Highlights

• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
• Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
• The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
• Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
• Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
• There’s no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
• Member FDIC

World of Hyatt Business Credit Card

*

The information for the World of Hyatt Business Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best for Hyatt hotels

Key takeaways

9X

9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member

2X

2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter

2X

2 Bonus Points per $1 spent on fitness club and gym memberships

1X

1 Bonus Point per $1 spent on all other purchases

3.3/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for Hyatt hotels

Welcome bonus offer

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

60,000 Bonus Points

Annual fee

$199

Regular APR

21.49% – 28.49% variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good/Excellent</div>

Why we picked it

The World of Hyatt Business Card is a great choice for Hyatt enthusiasts thanks to a valuable welcome bonus and high earnings on spending at Hyatt hotels. Card holders receive World of Hyatt Discoverist elite status, which comes with perks such as preferred room upgrades and 2 p.m. late checkout when available, plus the ability to gift Discoverist status to up to five employees. If you’re working toward a higher level of status, you’ll appreciate earning five tier-qualifying night credits for every $10,000 spent in a calendar year.

You’ll also get up to $100 in credits for eligible Hyatt spending each year and a Hyatt Leverage membership, which can save you up to 15% on standard rates at participating hotels. But if you don’t frequent Hyatt hotels, the card will have limited use, and paying the $199 annual fee won’t make much sense.

+ Pros

• Strong welcome bonus offer
• Flexibility to earn more rewards in top spending categories
• Complimentary Discoverist elite status

– Cons

• No annual free night award
• Redemption bonuses and statement credits require meeting spending thresholds
• Low base rewards rates

Highlights

• 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
• Up to 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2 Bonus Points per $1 spent in your top three spend categories each quarter.
• 2 Bonus Points per $1 spent on fitness club and gym memberships
• 1 Bonus Point per $1 spent on all other purchases.
• Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
• 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
• World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
• Member FDIC

IHG One Rewards Premier Business Credit Card

*

The information for the IHG One Rewards Premier Business Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.

Best for IHG hotels

Key takeaways

10X

Earn 10 points per dollar spent when you stay at an IHG hotel

5X

Earn 5 points per dollar spent on travel and select advertising and at gas stations and restaurants

3X

Earn three points per dollar spent on all other purchases

4.6/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for IHG hotels

Welcome bonus offer

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

Earn up to 140,000 bonus points

Annual fee

$99

Regular APR

21.49% – 28.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Excellent, Good</div>

Why we picked it

Business owners who stay at IHG hotels and want to rack up IHG points should consider the IHG One Rewards Premier Business Card. Not only does it come with a big welcome bonus, but card holders earn 10x points at IHG Hotels and Resorts, get a free anniversary night (worth up to 40,000 points) and have the ability to redeem three nights and get the fourth night free on reward stays –– all for a $99 annual fee.

+ Pros

• Offers free fourth night when you book three nights with points
• Free night each account anniversary
• No foreign transaction fees

– Cons

• $99 annual fee
• Must spend $20,000 in a calendar year to earn annual bonus
• Some business cards with similar fees may offer higher annual rewards value

Highlights

• Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.
• Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG^? hotel stay.
• Earn up to 26 total points per $1 spent when you stay at IHG Hotels and Resorts
• Earn 5 points per $1 spent on purchases on travel, at gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
• Automatic Platinum Elite status as long as you remain a Premier Business cardmember
• Global Entry, TSA PreCheck^? or NEXUS Statement Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card
• IHG One Rewards Bonus points are redeemable at hotels such as InterContinental?, Crowne Plaza?, Kimpton?, EVEN? Hotels, Indigo? Hotels & Holiday Inn?
• Member FDIC

Southwest? Rapid Rewards? Premier Business Credit Card

Best for Southwest Airlines

Key takeaways

3x

Earn 3 points per $1 spent on Southwest? purchases

2x

Earn 2 points per $1 spent on Rapid Rewards? hotel and car partners

2x

Earn 2 points per $1 spent on local transit and commuting, including rideshare

1x

Earn 1 point per $1 spent on all other purchases

3.6/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for Southwest Airlines

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

60,000 points

Annual fee

$99

Regular APR

21.49% – 28.49% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>

Why we picked it

The Southwest Premier Business card is our top choice for Southwest flyers, offering 3x Rapid Rewards points on all Southwest purchases plus 6,000 anniversary points every year you keep the card. Additionally, the card’s welcome bonus gets very close to earning the Southwest Companion Pass, which can be a huge money saver for frequent travelers. This card also offers two EarlyBird Check-Ins each year, 25% back on in-flight purchases and 1,500 tier qualifying points toward A-List status for every $5,000 you spend. But the $99 annual fee might not be worth it for business owners who can’t utilize the card’s perks.

+ Pros

• Benefits on Southwest flights
• No foreign transaction fee
• Offers bonus points each year for your account anniversary

– Cons

• $99 annual fee
• Some business cards with similar annual fees may offer higher annual rewards value
• Low base rewards rate

Highlights

• Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.
• 6,000 bonus points after your Cardmember anniversary.
• Earn 3X points on Southwest Airlines® purchases.
• Earn 2X points on Rapid Rewards® hotel and car rental partners.
• Earn 2X points on rideshare.
• 1 point per $1 spent on all other purchases.
• 2 EarlyBird Check-In® each year.
• Member FDIC

United? Business Card

Best for United Airlines

Key takeaways

2X

Earn 2 miles per $1 spent on United? purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting

1 mile

Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster

3.3/5

The CNN Underscored Money editorial team has developed a star rating so you can see the best card for specific categories. While we believe this card excels in this category, its overall star rating may differ.

Best for United Airlines

Apply Now

On Chase Bank USA, NA’s Secure Website

Welcome bonus offer

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open

75,000 bonus miles

Annual fee

$0 introductory annual fee for the first year, then $99

Regular APR

21.99% – 28.99% Variable

Credit score

Credit score ranges are based on FICO? credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

<div>Good, Excellent</div>

Why we picked it

The United Business Card is tailored for United loyalists, offering a valuable welcome bonus and solid United MileagePlus miles-earning rates on United purchases and eligible business expenses. Additionally, card holders get money-saving perks such as a free first checked bag on United flights for themselves and one companion and two United Club one-time passes each year. However, if United isn’t your primary airline, choosing a more flexible rewards card from the list is likely a better idea.

+ Pros

• Free first checked bag for cardholder and one companion on United flights
• $100 United travel credit after qualifying flight purchases
• Two United Club one-time passes each year

– Cons

• Low base rewards rates
• Free first checked bag requires you to pay for ticket with the card
• Limited usefulness for non-United customers
  

Highlights

• Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $99.
• Receive a 5,000-mile “better together” bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
• Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
• Enjoy a free first checked bag – a savings of up to $160 per roundtrip (terms apply), 2 United Club(SM) one-time passes per year, and priority boarding privileges.
• $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
• Member FDIC

Our picks at a glance

	Annual fee	Welcome bonus	Best for	Notable feature
Ink Business Cash? Credit Card	$0	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening	Overall Chase business credit card	Valuable welcome bonus with no annual fee
Ink Business Preferred? Credit Card	$95	90,000 points after spending $8,000 on purchases in the first three months of account opening	Travel	Big welcome offer
Ink Business Unlimited? Credit Card	$0	$900 bonus cash back after spending $6,000 on purchases in the first three months from account opening	Flat-rate rewards	Valuable welcome bonus with no annual fee
Ink Business Premier? Credit Card	$195	$1,000 bonus cash back after you spend $10,000 on purchases in the first three months from account opening	Big spenders	High earnings rate on big purchases
World of Hyatt Business Credit Card * The information for the World of Hyatt Business Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$199	60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening	Hyatt hotels	Hyatt Discoverist elite status
IHG One Rewards Premier Business Credit Card * The information for the IHG One Rewards Premier Business Credit Card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer.	$99	140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening	IHG hotels	Anniversary night
Southwest? Rapid Rewards? Premier Business Credit Card	$99	60,000 points after you spend $3,000 on purchases in the first 3 months your account is open	Southwest Airlines	Anniversary points
United? Business Card	$0 introductory annual fee for the first year, then $99	75,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open	United Airlines	Free first checked bag

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What do you get with a Chase business credit card?

Chase business credit cards offer many of the same benefits as personal Chase credit cards, but may also include perks specific to small business owners. With your card, you can often expect to:

• Earn rewards: Chase business credit cards offer Chase Ultimate Rewards, loyalty program points with an airline or hotel, or cash back. Rewards come in the form of valuable welcome bonuses and for eligible business spending.
• Get travel benefits: Some Chase business credit cards provide travel perks, such as airport lounge access and travel insurance, and may offer bonus rewards for travel-related expenses.
• Access expense management tools: Chase business cards come with expense tracking and reporting tools, making it easier to manage your business accounting.
• Receive employee cards: Get additional cards for employees with customizable spending limits to streamline business expenses and earn more rewards.
• Build credit: Using your Chase business credit card responsibly can help build your business’ credit profile, potentially making it easier for your business to secure financing in the future.
• Take advantage of introductory annual percentage rate (APR) offers: Some Chase business cards offer 0% introductory APR periods, helping business owners save money on interest.

Is a Chase business credit card right for your business?

Chase business credit cards offer rewards in the form of transferable points, airline miles, hotel points or cash back, making them a great choice for business owners looking to get the most out of their spending. Additionally, they come with perks such as travel benefits and expense management tools.

That said, business owners with a longstanding relationship with another bank might prefer a card from that particular issuer. Or, if your business doesn’t have regular expenses or doesn’t require employee cards, a Chase business card might not be that useful.

Evaluate your business’s spending habits and your personal travel goals to find the credit card that aligns with your needs.

Eligibility criteria for a Chase business credit card

Qualifying for a Chase Business credit card is easier than you might think, so long as you have at least good credit. You don’t need an LLC or hundreds of thousands of dollars in sales to apply. Sole proprietors and freelancers can apply for Chase business cards using their Social Security number (SSN) if they don’t have an employer identification number (EIN). Chase will make its decision based in part on your personal credit profile, regardless of whether you have an EIN.

Applicants should be aware of the Chase 5/24 rule. This unpublished rule generally prevents you from being approved for a Chase credit card if you’ve opened five or more credit cards from any issuer in the past 24 months (excluding most business credit cards). All Chase business cards are subject to the 5/24 rule but do not add to your 5/24 count, so they’re a good pick if you’re trying to stay below 5/24.

How to apply for a Chase business credit card

Applying for a Chase business credit card is a straightforward process, and you can apply online or in-branch. You cannot apply over the phone.

To apply online, you’ll need to provide personal and business information such as your name, business name, SSN or EIN, and income.

Applying in person at a Chase branch will be mostly the same, but a representative will help you complete the necessary forms.

Sometimes, the approval decision is (nearly) instant. Other times, Chase may need more time and request additional information. Be prepared to provide documents such as bank statements, business tax returns and business licenses.

How to maximize rewards with Chase business credit cards

Making the most of the rewards you earn with your Chase business credit card(s) requires strategizing your spending and redemptions. Use your Chase business card for any spending that earns bonus rewards, but be aware of any rewards earnings caps associated with the bonus categories.

If your business has a team, adding employee cards can supercharge your rewards, as you’ll earn on employee spending. Plus, Chase business cards offer customizable spending limits on employee cards, so you remain in control of expenses.

Additionally, utilize your Chase business card’s benefits, including travel insurance, purchase protection and extended warranties.

When redeeming your rewards, opt for the methods that offer the highest value. With Chase Ultimate Rewards points, that’s most often done by booking travel through Chase Travel? or by transferring your points to Chase’s travel partners.

Last but certainly not least, always pay your credit card bill in full and on time to avoid interest charges. Interest will negate the value of any rewards you earn.

Methodology

Our money and data analytics teams evaluated all of the business credit cards Chase offers for new applicants. We then narrowed down our picks for the best Chase business credit cards by giving them a star rating out of five, based on the following factors and our editorial judgment:

Pricing and fees (40%)

Cards with a low or no annual fee scored higher than pricier cards in this category, as did cards that don’t charge foreign transaction fees. We also gave a boost to cards with more competitive variable APRs.

Rewards and welcome bonus value (35%)

All Chase business credit cards offer a welcome bonus and earn points, miles or cash back on spending, but not all rewards have the same value. We used spending data from the Bureau of Labor Statistics and estimates of rewards values from The Points Guy to calculate which cards dole out the highest bonus and rewards values.

Spending limit flexibility (10%)

Cards that don’t impose a preset spending limit received extra points.

Benefits (10%)

We assessed business-friendly benefits such as purchase protection, extended warranty, cell phone insurance and return protection in this category. We also considered travel perks, including elite status, annual free nights, trip cancellation/interruption insurance and rental car insurance, giving higher grades to cards with a broader range of useful benefits.

Annual credits/bonuses (5%)

Cards that come with credits, bonuses or other rewards for spending in certain categories or meeting a spending threshold were given a small advantage compared to cards that don’t.

What didn’t make the cut

• Southwest? Rapid Rewards? Performance Business Credit Card: This card is an excellent choice for frequent Southwest flyers. However, the $199 annual fee makes it less appealing for travelers who don’t fly with Southwest often enough to justify the cost.
• United Club? Business card * The information for the United Club? Business card has been collected independently by CNN Underscored. The card details on this page have not been reviewed or provided by the card issuer. : This card offers elite-like perks such as United Club airport lounge access. That said, the high $450 annual fee is a drawback for those who can't make the most of the card's benefits.

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